Crop Insurance for Texas Producers—Weatherproof Your Income

Protect Your Harvest From Nature’s Worst

A year of hard work can be wiped out by a single hailstorm or drought. Crop insurance gives Texas farmers a reliable safety net—guaranteeing your yield or revenue and helping you recover from losses beyond your control. Whether you grow cotton in the High Plains or wheat and sorghum in the Panhandle, Broken Spoke Insurance customizes your policy to match your acres, your risk, and your operation.

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Types of Crop Insurance We Offer

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Multi-Peril Crop Insurance (MPCI)

Federal program (FCIC/RMA) backed by USDA—protects against drought, flood, excessive rain, hail, insect/disease, and even price swings. Guarantees a certain yield or revenue per acre. Must be purchased before planting.

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Crop-Hail Insurance

Private supplemental coverage for hail damage (and often fire, wind, transit, and more). Buy anytime during the growing season—ideal for crops at highest risk.

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Pasture, Rangeland, Forage (PRF) Insurance

Federal coverage for grazing land, paying out if rainfall drops below historical averages—critical for ranchers and hay producers in drought-prone areas.

How Crop Insurance Works

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Choose coverage levels (yield vs revenue, percent coverage) before sign-up deadlines

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Premiums partially subsidized by USDA for most MPCI and PRF programs

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If disaster strikes—drought, flood, hail, etc.—you report losses to us, and we help file your claim promptly

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Payouts arrive to help cover costs and let you replant, recover, or meet loan obligations

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Many lenders require crop insurance as part of farm financing

Why Work With Broken Spoke?

  • We guide you through complex deadlines, rules, and paperwork—year after year
  • Deep experience in local crops—cotton, wheat, sorghum, corn, and more
  • Support at every stage: sign-up, coverage selection, and claims
  • Annual policy reviews to ensure your coverage and guarantee keep up with market and farm changes


Broken Spoke is an equal opportunity provider.

Frequently Asked Questions

  • How does crop insurance work in Texas?

    You select an MPCI policy before planting to cover yields/revenue. If you suffer a loss from a covered cause, you get a payout based on your selected guarantee and actual results.

  • What’s the difference between multi-peril and hail insurance?

    MPCI covers all major perils and is federally backed; crop-hail is private, bought any time, and pays per acre for hail (and sometimes other losses).

  • Is drought covered?

    Yes—MPCI and PRF policies pay for drought-related losses.

  • What are the sign-up deadlines?

    They vary by crop and program—contact us to review your operation and meet all deadlines.

  • Do you help with claims?

    Absolutely. We’ll file and follow up on claims for fast, fair settlements so you can recover and plant next year.

Review Your Policy—Protect Your Harvest Every Year

Crop insurance isn’t just another bill—it’s a lifeline for Texas agriculture. Let Broken Spoke Insurance guide your coverage choices and handle the details, so you can focus on a successful season, rain or shine.